FNB is a terrible bank

FNB is a terrible bank My experience was very poor because my Complaints was not resolved. i bought the R100 airtime for MTN on 27/11/2023 and it was not loaded but the money was deducted on my bank account and i called MTN to query and they confirmed that no purchase was ever made but i need to query with FNB then the query was lodged with fnb case no:***Q FNB responded by saying i should contact MTN even thou MTN confirmed that there was no purchase. on the 18/12/2023 i purchased again airtime of R60 to MTN again the purchase went through from my bank account, but the airtime was not loaded and again i had to query with both MTN and FNB and another case no:***Q was issued but still the matter was resolved without me being refunded or given back. instead, i got a sms saying the money was refunded but nothing was refunded, and it says the matter is resolved and they don't even call you to get clarity or to see whether the matter is indeed sorted.